Cheap California Auto Insurance
Cheap California auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in California.
Looking for cheap auto insurance in California? You’ve come to the right place. We’ve been connecting people with the policies that they’ve wanted for a while now – all thanks to our free quote tool! We aggregate the best policies for your money efficiently, allowing you more time to make the best decision for your situation. Try it out today!
California Auto Insurance Law and Common Practices
The state of California is a Tort state. This means that if the state declares an individual as the cause of an accident, the named person will be required to pay all the damages which result from the accident they caused. This will include all medical bills and vehicle repairs. For this reason, insurance companies may encourage you to purchase more than the minimum auto liability insurance required by the state of California, and although cheap California auto insurance works on the premise of “less is more”, there’s still the need to be as responsible as possible...
Insurance companies may decide to exclude household individuals from your policy for various reasons. These exclusions are legal and will be addressed in the policy or by an endorsement attached to the policy. If you continue to allow the excluded individual to drive your vehicles, they will not be covered – and that’s dangerous. Their insurance is invalid as long as they are excluded on the policy, so there’s a substantial need for cheap California auto insurance, even if it’s with another carrier, as no one would want to go through with such a situation.
California has very strict laws regarding lapsed auto insurance policies. Your car’s registration can be canceled or suspended if your insurance lapses or is cancelled and not immediately replaced. Failure to show proof of insurance can result in fines, a suspended license and impoundment of your car. And with there being so many issuers of cheap California auto insurance – no one should be uninsured.
The insurance company is allowed to check out your personal credit history when offering you insurance and setting your premium rates. They may also look at your credit standing, past policy coverage, premiums, and payment history.
Expensive and Cheap California Auto Insurance Averages
The average insurance premium in California was about $846.00 as of 2006. California has the 16th highest premiums in the United States, which is sufficiently higher than the average, but doesn’t completely discount the chance for cheap California auto insurance. There are 49 state approved insurance companies doing business in the state of California. The basic insurance policy which provides just the minimum liability coverage required by California is the least expensive policy available from all 49 companies. The cheapest policy sells for $722.00 per year to a married couple which averages between 9,000 to 16,000 miles per year on their car. Western United carries this policy and is closely followed by Pacific Specialty whose policy is priced at $769.00 per year.
Of the premiums offered for standard insurance policies, those for young married couples with children were generally cheaper than the other categories. The married couple with a son is the overall most expensive premium. With the exception of the basic insurance plan, Wawanesa has the lowest overall premiums in all the standard insurance categories. The highest premiums overall goes to Infinity in the category of the married couple with a son. The premium is $12,057.00 per year.
Lowering Your Premiums
Things that can help you reduce the cost of your insurance premiums include a clean driving record, the type of vehicle you choose to drive as well as the number of miles you drive per year. The fewer miles you put on your vehicle each year, the lower your chances are of being involved in an accident. The reduction in accident risk can translate into a reduction in premiums, and if you’re on the market for cheap auto insurance in California, this is something that’s worth actively working on. Also, a clean driving record reduces your risk of an accident. It will be more expensive to insure a luxury car or a sports car. You should also keep in mind that insurance premiums will be higher on vehicles which are a high priority for thieves. The cars that made the top 10 stolen vehicles in California are:
1. 1989 Toyota Camry
2. 1991 Honda Accord
3. 1995 Honda Civic
4. 1988 Toyota Pickup
5. 1991 Nisssan Sentra
6. 1990 Acura Integra
7. 1993 Saturn SL
8. 1987 Toyota Corolla
9. 1992 Chevrolet C/K 1500 Pickup (full size)
10. 2000 Ford Mustang
Even if you’re not driving these vehicles, it doesn’t mean that you can’t get cheap California auto insurance, and our free quote tool
will show a person how to do it. We believe that everyone should have affordable yet comprehensive rates for their vehicles – and that’s exactly why we’ve been serving people across the country, matching them up with the policies that they genuinely need!
Source: California Insurance Laws, Auto Insurance Requriements in California, California DUI Laws, Californai Drunk Driving Fines & Panalties, 2009 New DUI Laws, Drunk Driving Laws in California, California DUI Conviction, California (CA) teen Auto Insurance Laws, Rates, & Requirements, California Teen Driving Laws, California Auto insurance Laws, Minimum Rrequirements.
California Division of Motor Vehicles
California Division of Insurance
California Department of Revenue
California minimum requirements
Bodily Injury Per Person Liability: $15,000.00 Limit
Bodily Injury Total Liability: $30,000.00 Limit
Property Damage Liability: $5,000.00 Limit
California auto insurance requirements and laws >>
Cheap teen auto insurance in California
California DUI laws
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